What state do you live in. Insurance laws and regulations differ from state to state. You may want to consider contacting the insurance comisioner in your state but i dont know how much good it will do. Depending on the state I think you are probably SOL. Sorry to be there bearer of bad news

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Originally Posted by Yuri_Rage

Sorry, I am sworn as a mod to disagree with the above statement. But as a rational person, I do agree.

Yeah, that's what I figured. Unfortunately, I live in Ca., where the lawsuits are all too happily filed so the insurance company's are even tighter than usual. The adjuster just called back to confirm that the only reason they would pay is if I used the vehicles as "tractors or other equipment to make improvements around the house". Since I am honest and said I use them in the desert, I am sure I will get scr**ed. Thanks again for the tries, guys.

That doesn't seem to make any sense. Does every item in your household have to be related to the upkeep of your house. If someone jacked your TV, you'd have to say that it's used as an educational device for home improvement?